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Help Advise Re: CA change Names and # everyday my credit

tag
NY2014
Established Contributor

Re: Help Advise Re: CA change Names and # everyday my credit

Hello deseandab09/ Polo1234
The description here where they are collection same company or separate or change names where they are a payday loan or gramma's bakery store.One would have to question yourself.first company was fined and band Believe me I've been on a mission here with any collections reporting on my CR and one would ask your when one tries to contact this apparent Company regardless the # is a legit number.first NR Showed up on my CR .next day EA showed up only there Name Collecting a Debt for NR same address same # . Day 3 address change same location day 4 NR gone ER only on Credit report same address same # as NR I day 5 # changed 2''s first a Cell # then another # ER incorporate 01/14 if they change Address sense I contacted them and could not understand that person. Red green blue flags . It called going under the radar.with your situation.file a complaint asking why they changed. How long was NR on your CR before the change ? And mostly.if you owe a debt. To NR make arrangements.but for then I would strongly suggest you file or do and inquiry about NR .i did an search and found many problems with this NR .there collection ethics.a disrespect disregards toward Harassments /personally I haven't said EA is connected and just another company right next door (google) sounds like a nice marriage to keep in business and NR is just a front door to CRA getting reports if anyone also reads this . I would like to hear there opinion ? It's very not a normal way to conduct a business and change names in CR like you said there new if they bought debts there nothing wrong collecting with proper documents .
How I had them removed and blocked I filed a compliant with the AD and FTCA and a letter to EQ remove and blocked . EQ removed them 2 days after.
Fico Score 10/6 EQ 702,16 INQ,TU 740, 9,iNQ EX 705,21 INQ,13%UTIL-
,10 yrs history,1.6 yr AA Cap1 Plat,VentureOne,QS ,Barckey RCI, BBVA,Amex BCE,CSP,NFCU Flag, NFCU Go,NFCU,Cloc NFCU busin,NFCU busin Cloc,Amex Delta busn,Bj's busn Perks,Hawaiian air busin, Citi dc, Discover IT,Chase Hyatt,U.S bank flex perks.,Am,ex Business Plat JCP. Commercial, citi Hilton
Message 11 of 13
creditstalker
Frequent Contributor

Re: Help Advise Re: CA change Names and # everyday my credit

Now Enhanced Aquisition claims to be Sullivan Asset Management.  Something seems illegal about this company,  and I'm going to get down to the bottom of this.

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 12 of 13
RobertEG
Legendary Contributor

Re: Help Advise Re: CA change Names and # everyday my credit

The identity theft process under the FCRA inttentiionally avoids any and all issues of who the furnisher of the information might be, or any evidence they assert as substanitation of your responsibility for the debt.

 

Under FCRA 605B, if the consumer puts their assertion that they never authorized and account or transactions realted to the asserted debt, then the CRA must block the inclusion of any reporting by anyone that is related to that information.  It applies to the information itself, not to a specific party.

Thus, any issue of who is reporting or whether they are the same entity is moot to the issue of inclusion of their reporting in your credit report.

Did the CRA, after submission of your identity theft/police report and your affidavit, advise you that it was accepted?

If so, any reporting is blocked from your credit report.

Message 13 of 13
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